{
  "brand": "CommFCU",
  "brand_label": "Community First Bank",
  "brand_slug": "commfcu",
  "legal_entity_abn": "80087649938",
  "public_base_uri": "https://netbank.communityfirst.com.au/cf-OpenBanking",
  "logo_uri": "https://cms.communityfirst.com.au/wp-content/uploads/2025/04/CommunityFirstBank-logo-RGB.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-06T04:31:28Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":8,"of":52,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":9.99,"annual_fee":50.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "interest is charged on purchases while a balance transfer is outstanding",
        "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt",
        "Australian citizen or permanent resident only"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "S6-LRCC",
      "product_name": "LOW RATE CREDIT CARD",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/commfcu/low-rate-credit-card/",
      "product_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "fees_url": "https://communityfirst.com.au/tools/rates-and-fees",
      "eligibility_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A low rate credit card with the same low rate on cash advances and up to 55 days interest free on purchases. Choose pink and half the annual fee is donated to the McGrath Foundation each year",
      "purchase_rate_pct": 9.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice.",
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "LOW_RATE_CREDIT_CARD_ANNUAL_FEE",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.0,
      "late_payment_fee": 25.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "interest is charged on purchases while a balance transfer is outstanding",
        "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt",
        "Australian citizen or permanent resident only"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 8,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S6-LRCC",
      "source_snapshot": "/au/finance/credit-cards/v1/source/commfcu/S6-LRCC.json",
      "snapshot_at": "2026-10-24T09:57:56Z",
      "bank_last_updated": "2026-10-06T15:31:28.000+11:00",
      "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "legal_entity_abn": "80087649938",
      "product_id": "S6-LRCC",
      "product_name": "LOW RATE CREDIT CARD",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/commfcu/low-rate-credit-card/",
      "product_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "fees_url": "https://communityfirst.com.au/tools/rates-and-fees",
      "eligibility_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 9.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "LOW_RATE_CREDIT_CARD_ANNUAL_FEE",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.0,
      "late_payment_fee": 25.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "interest is charged on purchases while a balance transfer is outstanding",
        "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt",
        "Australian citizen or permanent resident only"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S6-LRCC",
      "source_snapshot": "/au/finance/credit-cards/v1/source/commfcu/S6-LRCC.json",
      "snapshot_at": "2026-11-12T02:35:51Z",
      "bank_last_updated": "2026-10-06T15:31:28.000+11:00",
      "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 9.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 8,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Easy Street"
  ]
}